Scratch and Patch Pet Insurance
Scratch and Patch delivers modern pet insurance with their Bronze, Silver, and Gold coverage options, offering up to £8,000 annual veterinary fee coverage. Their digital-first approach includes an intuitive customer portal, paperless claims, and 24/7 vet video consultations. Distinguished by their clear policy structure and flexible excess options, they make pet insurance straightforward and accessible.
Coverage Benefits
Vet Fee Coverage
Maximum Vet Fees
Covered each year up to no limit per condition with £8,000 yearly limit
Claim Limit
No limit
Vet Fees Excess
You'll pay both £275 per condition per year & 20% of the remaining claim
Additional Benefits
- Death by Accident Cover: £1,500
- Third Party Liability: £2,000,000
- Boarding Fees: £1,000
- Lost or Stolen Cover: £1,500
Support Services
- UK-Based Call Centers
- 24/7 Claims Service
- Vet Advice Helpline
Premium & Cost Breakdown
Annual Premiums
Monthly Payment Option
Average monthly payment: £99.99
Number of instalments: 12
Initial deposit required: 0
Premium Distribution
Distribution based on policy data analysis
What Affects Your Premium
- Pet's age, breed, and species
- Coverage level selected (Basic, Standard, or Premium)
- Your location and local vet costs
- Previous claims history
Coverage Highlights
Lifetime CoverMost Popular
Vet Fees
Up to Covered each year up to no limit per condition with £8,000 yearly limit
Excess
You'll pay both £275 per condition per year & 20% of the remaining claim
Key Benefits
- Dental coverage included
- Prescription medication covered
- Complementary treatments
Max Benefit Cover
Vet Fees
Up to Covered each year up to no limit per condition with £8,000 yearly limit
Excess
You'll pay both £275 per condition per year & 20% of the remaining claim
Key Benefits
- Dental coverage included
- Prescription medication covered
- Complementary treatments
Time Limited Cover
Vet Fees
Up to Covered each year up to no limit per condition with £8,000 yearly limit
Excess
You'll pay both £275 per condition per year & 20% of the remaining claim
Key Benefits
- Dental coverage included
- Prescription medication covered
- Complementary treatments
Policy Coverage and Benefits
Premium Range
Minimum
£67.97
Maximum
£3995.3
Average
£510.13
Cover Types
- Lifetime
- Max Benefit
- Time Limited
Coverage Distribution
Dogs
67.3%
Cats
32.7%
Comprehensive Policy Details
| Coverage Feature | Benefit | Details |
|---|---|---|
| Vet Fees | Covered each year up to no limit per condition with £8,000 yearly limit | Maximum amount claimable for veterinary treatment |
| Death by Accident | £1,500 | Payment if your pet dies due to an accident |
| Death by Illness | £1,500 | Payment if your pet dies due to illness |
| Third Party Liability | £2,000,000 | Coverage for damage or injury caused by your pet to others |
| Lost or Stolen | £1,500 | Coverage if your pet is lost or stolen |
| Advertising & Reward | £1,500 | Costs for advertising and reward if your pet is lost |
| Boarding Fees | £1,000 | Kennel/cattery fees if you're hospitalized |
| Travel Coverage | Included | Travel-related coverage including quarantine costs |
Fees & Charges
Policy Fees
Excess Information
Standard Excess
£275 - This is the amount you pay towards each new condition claimed for.
Co-Payment
20% - This is an additional percentage that you pay towards the remaining claim amount after the fixed excess.
Example Claim Calculation
Frequently Asked Questions
How does digital claiming work?
Submit claims through our portal with photo upload, typically processed within 48 hours.
What coverage levels are offered?
Bronze for essential cover, Silver adds complementary treatments, Gold provides comprehensive protection.
How does vet video service work?
Connect with UK vets 24/7 via video for advice, prescriptions, and referrals.
What excess options exist?
Choose from £85-£150 excess, with optional co-payment to reduce premiums.
Next Steps with Scratch and Patch
How to Get Coverage
- Visit Scratch and Patch's website directly
- Takes about 5-10 minutes to complete
- Have your pet's details ready
Important Note
The statistics and information shown here are based on real market research and actual policy data. However, your actual quote may vary based on factors such as:
- Your pet's age and breed
- Your location and coverage needs
- Current market conditions and provider pricing
Please contact Scratch and Patch directly for the most accurate and up-to-date quotes for your specific situation.